Safe Haven $olutions

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss what it really means to feel financially comfortable in retirement. Larry shares highlights from a recent client event featuring Dr. Mark Milstein and emphasizes the connection between health and wealth. They also break down the key pillars of retirement comfort—consistent income, risk planning, tax strategy, and h...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim are joined by CPA Lance Larsen to discuss common tax mistakes retirees make and the strategies that can help keep more money in their pockets. From withdrawing too much—or too little—from retirement accounts to missing opportunities within lower tax brackets, the team shares real-life examples of proactive planning done ri...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim are joined by CPA Lance Larsen to discuss newly introduced child investment accounts designed to help families build long-term wealth for the next generation. Established under recent legislation, these accounts allow contributions for children regardless of earned income and even include government seed funding for those...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim are joined by CPA Lance Larsen to break down how 401(k)s and IRAs are taxed in retirement. They explain the difference between traditional and Roth accounts, the long-term impact of tax-deferred growth, and how large withdrawals can trigger higher tax brackets, Social Security taxation, and increased Medicare premiums. The...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim are joined by CPA Lance Larsen to break down key tax updates from the “Big Beautiful Bill.” They discuss the new enhanced senior deduction, income phase-outs, and how Social Security is taxed under current rules. The team also highlights why tax planning shouldn’t stop after April 15th and how the 2028 sunset provisions cr...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Kim, and insurance specialist Glenn Ramey wrap up the discussion by highlighting some of the most common insurance mistakes retirees make and how to avoid them. They discuss underestimating healthcare costs, missing Medicare enrollment deadlines, delaying long-term care planning, failing to review life insurance policies, and ove...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Glenn Ramey break down one of the most misunderstood retirement tools: annuities. They explain what annuities are, why they are issued through insurance companies, and how different types including fixed, fixed indexed, variable, and immediate annuities work. The conversation addresses common misconceptions, the role financial...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and insurance specialist Glenn Ramey take a deep dive into how life insurance fits into retirement planning. They break down the different types of life insurance including term, whole life, and universal life, and explain how each can serve a purpose at different stages of life. The discussion highlights how life insurance can be...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim are joined by insurance specialist Glenn Ramey to break down one of the most confusing parts of retirement planning: insurance. The conversation explores how healthcare costs, Medicare, long-term care, life insurance, and annuities fit into a well-rounded retirement strategy. Glenn explains why insurance has evolved beyond...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss why budgeting and cost awareness play a critical role in retirement preparedness. The conversation explores how spending habits, inflation, healthcare costs, liquidity, and emergency planning can significantly impact how long your savings last. Larry explains why retirement planning is about more than investment pe...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig breaks down the key ages and milestone dates that can have a major impact on your retirement plan. From 401k catch-up contributions and penalty-free withdrawals to Social Security timing, Medicare enrollment, required minimum distributions, and tax deadlines, the conversation highlights why knowing these dates matters. Larry expla...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim walk through the critical questions every pre-retiree and retiree should be asking when building a retirement income strategy. From Social Security timing and required minimum distributions to tax planning, annuities, healthcare costs, and long-term care, the conversation highlights why retirement planning must be holistic...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss the number one question future retirees ask: “Do I have enough money to retire?” The conversation walks through what retirement readiness really means, why confidence matters just as much as numbers, and how having a personalized plan helps bring clarity and peace of mind. Larry explains why retirement planning is...

In this episode of the Safe Haven Solutions Podcast, Larry and Rachelle Kallevig share the personal values that guide Haven Financial Group—from putting family first to creating a safe, no-pressure environment for clients. They discuss trust, communication, education, and why helping families feel confident and at peace with their financial decisions is at the heart of everything they do. Connect...

In this episode of the Safe Haven Solutions Podcast, Larry and Rachelle Kallevig walk listeners through what it’s like to schedule and attend a first appointment at Haven Financial Group. They explain how each visit is tailored to the client’s goals, whether that means coordinating investments, Social Security, Medicare, tax planning, or insurance—all in one place. The conversation highlights effi...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Rachelle Kallevig discuss what truly separates Haven Financial Group from other firms. They highlight a people-first approach to retirement planning, elevated client service, and the value of having everything under one roof—from wealth management and tax planning to Medicare and estate planning. The conversation emphasizes ed...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and office manager Rachelle Kallevig share the story behind building Haven Financial Group. They discuss the firm’s people-first philosophy, the importance of trust and teamwork, and how elevated client service is at the core of creating a true “safe haven” for retirement planning. Connect with Haven Financial Group on all platfor...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Founder and CEO of Haven Financial Group, discusses how to approach retirement planning with intention in 2026. He emphasizes the importance of having a knowledgeable partner, reviewing your investments, updating estate plans, and preparing for life events like Social Security decisions, Medicare, and insurance needs. The convers...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Founder and CEO of Haven Financial Group, is joined by insurance specialist Glenn Ramey to discuss key health care and insurance considerations for 2026. They break down flexible spending accounts, health savings accounts, and important deadlines that can impact your tax strategy. The conversation also covers long-term care plann...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Founder and CEO of Haven Financial Group, is joined by CPA Lance Larsen to break down inherited IRAs and the 10-year rule. They discuss how retirement accounts have evolved, why inherited IRAs can create unexpected tax challenges, and the importance of planning distributions strategically to avoid higher tax brackets and penaltie...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Founder and CEO of Haven Financial Group, is joined by Haven CPA Lance Larsen to discuss key retirement planning pillars for 2026. The conversation covers strategic gifting and the upcoming tax cliff, estate and inheritance considerations like the 10-year IRA rule, and ways families can reduce future tax burdens through proactive...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Founder and CEO of Haven Financial Group, discusses common retirement lifestyle mistakes that can impact happiness and long-term well-being. From neglecting mental health and social connections to losing structure, purpose, and planning, Larry explains why having a thoughtful retirement strategy matters. The episode reinforces ho...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Founder and CEO of Haven Financial Group, discusses how turning hobbies into passions can create purpose and fulfillment in retirement. He shares why planning for travel, volunteering, learning, and social activities is just as important as planning your finances, and how a well-supported retirement plan helps you confidently enj...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Founder and CEO of Haven Financial Group, continues the conversation on what makes retirement truly fulfilling. He shares insights on the importance of healthy habits, staying socially connected, setting goals, and maintaining a positive mindset throughout retirement. The discussion also covers how health and healthcare costs evo...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Founder and CEO of Haven Financial Group, is joined by Kim to explore what truly makes retirement fulfilling. They discuss how inflation can quietly impact your retirement lifestyle, why healthcare costs are often underestimated, and how maintaining purpose through habits, hobbies, and passions plays a major role in long-term hap...